Flood Hazard Zones

Do you know your flood zone?

Knowing your flood zone means you know your flood hazard risk. FEMA developed Flood Insurance Rate Maps (FIRMs) that determine Special Flood Hazard Areas (SFHAs). Visit the DLNR Flood Hazard Assessment Tool to find out if you are located in a SFHA.

Special Flood Hazard Areas (SFHAs)

Moderate to Low Risk Areas

Shaded X: (Previously B)

Areas of 500-year flood (0.2% chance of annual flooding); areas of 100-year flood with average depths of less than 1 foot or with drainage areas less than 1 square mile; and areas protected by levees from 100-year flood.

Zone X: (Previously C)

Areas determined to be outside 500-year flood plain.

High Risk Areas

Zone A:

1% chance of annual flooding; No base flood elevations determined.

Zone AE:

Base flood elevations determined.

Zone AEF:

Flood way areas in Zone AE. The flood way is the channel of stream plus any adjacent floodplain areas that must be kept free of encroachment so that the 1% annual chance flood can be carried without increasing the BFE.